Latest Posts

January 1, 2014

Process Your Goals

In my spare time I coach my daughters midget age hockey team. As all who have been involved in kids sports will understand, coaching is my part time job with full time hours. Fortunately in my particular case, the group of parents involved with our team are reasonable people appreciative of the amount of time not only myself, but the entire team staff devote to their kids development. Nonetheless, occasionally parental expectations and a coaches vision will differ. And so it... View Article

December 1, 2013

Silent Thief

Most of us, look at our property taxes as a necessary evil. We have our annual moan of outrage at the property tax hike proposed by the city, then a sigh of relief when the proposed increase is cut in half. Forgot in the process is that property taxes are still rising, and in the process diminishing the average households spending power. What has offset that increase in the last 15 years or so, is a decline in lending rates,... View Article

November 1, 2013

Nice to See You Again?

Mine is a family of first generation immigrants. My parents, like so many other Canadians, and the majority of my relatives, arrived in Canada shortly after World War Two. New immigrants of that time, as is probably still the case today, cleaved closely to each other for support in a strange new land. When they had kids, those children spent many holidays together with their cousins. My memories of childhood are of a close knit extended family. I loved when... View Article

November 1, 2013

Stickin’ To My Knittin’

    While travelling through the States recently I took the opportunity to read the business section of the local paper. The pieces that I find myself gravitate towards are personal help columns written by financial planners. The Globe has such a piece each Saturday, replete financial advice that often includes a warning not to be too heavily invested in Real Estate. It’s a form of professional self torture to read these pieces, but all the same it is interesting to... View Article

October 1, 2013

A Bargain at Twice the Price

My father and I often recount stories from our business dealings – mine ongoing, his mostly recollective. Many aspects about how business is conducted today bears little resemblance to commerce in my fathers day. Though for as much as business may have changed over the years, some core principles remain steadfast. Chief among them, if you can trust a man’s handshake, you do not need his signature. Fortunately, and perhaps surprisingly to some, there are still a great many folks... View Article

October 1, 2013

The Pendulum Swings Both Ways

   A mortgage broker friend of mine and I were recently observing how often folks ask us about “where the market is heading.” In his case, they mean interest rates, in mine, real estate prices. However, the questions are really one and the same. So are the answers- “We don’t know,” “If we were that smart, we would be retired!” While I am extremely bullish on Guelph, and our prospects for continued prosperity, I am also a realist. We do... View Article

September 1, 2013

Collateral Damage

A good friend of mine is in the process of overseeing the sale of his parents’ home in an area of Toronto known as Hogs Hollow.    I’ve never been there, though they tell me it’s nice. In his words, it’s a ‘tear down,’ in an area sought after for its location and the prevailing size of lots in the neighbourhood. The list price? $2.2 million.    Scarcely 60 miles west of there, it is difficult to imagine a home in Guelph selling... View Article

August 1, 2013

Human Nature Comes to Ruins

This past summer, my family embarked on a wonderful trip which brought us to the Acropolis in Athens. It was a bucket list day to be sure, having the chance to see in person one of civilizations earliest and most impressive monuments. The monument did not disappoint. Unfortunately, just about everything else about the day did. As you may expect, we weren’t the only ones keen to visit the Parthenon. As luck would have it, 5 cruise ships, each with about... View Article

July 1, 2013

Just Let Me Buy The Hat

Salespeople, at least good ones, have always been thought of as good talkers – at least by non sales people. A person blessed (or cursed) with the ‘gift of the gab’ – is often stereotyped as someone that ought to consider a career in sales. Yet, salespeople generally talk themselves out of more sales than they may realize. Last week, on what was to date the hottest day of the year, I was scheduled to participate in a golf outing.... View Article

July 1, 2013

A Little Regress Please

My Father in-law Ennis Day was born and raised on the outskirts of Grayson Kentucky, a small country village with a stagnated population of about four thousand people. It remains a modern day Mayberry, albeit one with the accouterments of a Kmart and a half-dozen payday loans outlets. Little else has changed in the last 50 years, until a few weeks ago. In a squeaker of a vote, the residents of Grayson voted to allow the sale of alcohol in... View Article